"I would want to upgrade the standard of my house to semi-permanent so that it may be durable and presentable."

"My younger brother was joining university, so I spent my third transfer to pay his school fees because I am the one who was staying with him.I also bought stock for my omena(small fish) business because this is the only source of livelihood in my family."

"I spent my money to buy building material like iron sheets,nails and polls that I used to build my house, I am happy I do not pay rent any more. I also paid fees for my child who is doing tailoring course."

"I spent my third transfer to buy building material that I used to put up my own home, though I boosted it with my savings from second transfer. I also bought clothes for my children, house hold items and maize for family consumption."

"I bought two cows worth 9000 KES for paying dowry since my husband had planned to visit my parents once we get money.I also bought house hold items and uniforms for my children because they did not have presentable ones."

"In the next months, I expect my life to be more smooth and enjoyable. With my new oxen, I will no longer suffer from tilling my farm manually. I will also be able to plough other people's farms at a cost and generate some income for my family."

"I used the cash to build a new house. I initially had a very small house that was in a very poor condition. Part of the house had started collapsing, that is why I opted to build a new one."

"I spent my third transfer to pay school fees for my child who is in secondary.I also bought house hold items and maize for family consumption."

"My children had difficulties in doing their homework at night since buying parafin to light the larten was expensive which meant that they had to go sleep whenever the parafin got exhausted hence I spent my third transfer on buying a solar lamp and now I have a piece of mind seeing my children study with ease . I also bought two goats and a bag of maize for my family's consumption ."

"Life was hard and hopeless when we didn't have a peice of land to cultivate on as getting daily meals was just a luxury .I added part of my savings onto my third transfer and bought a piece of land which has brighten the living standard of my home since out of yeilds I harvested recently from the land has enhanced good health to my family members since they had enough food to eat .Part of the transfer I also spent on enrolling my child into a high school ."